Maryland House Democrats introduced a controversial gun safety bill requiring gun owners to forfeit their ability to wear or carry without firearm liability insurance.

Introduced by Del. Terri Hill, D-Howard County, the legislation would prohibit the “wear or carry” of a gun anywhere in the state unless the individual has obtained a liability insurance policy of at least $300,000.

"A person may not wear or carry a firearm unless the person has obtained and it covered by liability insurance issued by an insurer authorized to do business in the State under the Insurance Article to cover claims for property damage, bodily injury, or death arising from an accident resulting from the person’s use or storage of a firearm or up to $300,000 for damages arising from the same incident, in addition to interest and costs,” the proposed Maryland legislation reads.

  • ChonkyOwlbear@lemmy.world
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    10 months ago

    It’s a good idea that has been discussed before, but is almost certainly unconstitutional. You can’t paywall constitutional rights.

    • Neato@ttrpg.network
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      10 months ago

      Well in revolutionary period, no one carried arms really. Unless you were mustering, carrying your rifle around was ridiculous. It was ~5’ long, required manual loading before firing, and you had to carry very volatile black powder to do so. So it wasn’t an issue then. And if you’re a Constitutional Literalist, the Founders wouldn’t have wanted people carrying firearms outside of mustering for drills or war.

    • runswithjedi@lemmy.world
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      10 months ago

      The Constitution doesn’t specify in what capacity of arms the right covers. There’s a part of the new law that doesn’t require insurance for an unloaded gun, so someone still retains the right to bear arms, just not loaded.

    • TheMongoose@kbin.social
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      10 months ago

      If your state doesn’t have concealed or open carry laws, you can still ‘bear arms’ by having them at home and transporting them in proper cases, correct? So this isn’t paywalling the right to own guns, just the right to take them around with you like a murdery little comfort blanket.

    • gingersneak@lemmy.world
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      10 months ago

      Bootlickers are out in force today, huh?

      While we’re putting fundamental rights behind financial barriers, I want a poll tax on pro-lifers, anti-LGBTQ, followers of all religions, and everyone else that I don’t like. We can make it 50% of all yearly income from any source or 1% of total assets, whichever is higher.

      Does that sound like a good idea?

      • astral_avocado@lemm.ee
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        10 months ago

        Believing in the right to arms is also relevant for leftists, especially if a civil war breaks out. During BLM protests there were also armed leftists in marches which appeared to temper police responses.

        Personally speaking, I don’t want cops and rich people, aka rightwingers, to be the only ones who are able to it allowed to own firearms.

      • cosmic_slate@dmv.social
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        10 months ago

        It takes all of 45 seconds to respond in a civil manner without throwing up strawmen.

        Have you seen how the Supreme Court has been ruling on the Second Amendment over the last decade-and-change?

  • agitatedpotato@lemmy.world
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    10 months ago

    These proposals would ultimately manifest in insurance for white peopel costing less and black people and hispanics costing more. All this does is price minorities out of gun rights. The whites will be fine, good thing they’re not the ones comitting the vast majority of gun terrorism . . . Oh wait I’ve just received some devastating statistics . . .

    • PoliticalAgitator@lemmy.world
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      10 months ago

      Don’t be a sucker. If dogshit gun laws made minorities safer, America would be the safest country in the world by a massive margin.

    • Car@lemmy.dbzer0.com
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      10 months ago

      Insurance underwriters would surely base their insurance premiums off that very information. I think this may be a rare case of insurance actually being somewhat fair considering race.

      Then again, Baltimore.

      • agitatedpotato@lemmy.world
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        10 months ago

        The overwhelming majority of gun deaths are sucide, organized crime also has a high share. The insurance premiums are not going to be based on whos more likely to do a mass shooting they’re gonna be based on every payout they prospectivly have to make. So people who will get the highest rates will be minorities and those seeking mental health treatment. So the best way to keep your premium low would be to be white and not seek mental health treatment. That’s not exactly behavior I would like financially incentivised.

        • Car@lemmy.dbzer0.com
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          10 months ago

          I don’t know, based off the information you’re working with, we’re assuming that the gun insurers would be on the hook for life insurance claims?

          That’s different than liability, which is what’s proposed here

      • agitatedpotato@lemmy.world
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        10 months ago

        Sure, here you go, exactly the kinds and sources and data insurers are going to look at https://www.cdc.gov/mmwr/volumes/72/wr/mm7226a9.htm

        Seems to imply the biggest risks for insuring are Black men. White men come in even lower than Black women. I’m sure actuaries will pull more than just this graph but it’s pretty indicative of how it will shake out. Unless of course you have some sources you’d like to cite that imply otherwise.

        • FontMasterFlex@lemmy.world
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          10 months ago

          The whites will be fine, good thing they’re not the ones comitting the vast majority of gun terrorism . . . Oh wait I’ve just received some devastating statistics . . .

          I guess i misunderstood this line… the first part sure. i guess. there are poor white people too. but ok. the second part sounds like you’re being sarcastic about the first part… which is contradicted by the numbers you posted… so… i guess im still confused as to your stance.

  • Neato@ttrpg.network
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    10 months ago

    Make sense. There’s more deaths by firearm than automobile in the US every year. It’s actually fairly close at around 40-50k yearly. Which is absolutely insane…

    • astral_avocado@lemm.ee
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      10 months ago

      Iirc gun statistics don’t differentiate between homicides and suicides and I believe suicides is about half of that statistic.

      • PopMyCop@iusearchlinux.fyi
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        10 months ago

        61%, according to actuaries. It’s the same reason that this law isn’t all that great in making insurance companies the new gatekeeper for ownership: permit holders are among the lowest risk for firearm incidents. People who have guns and who won’t be paying for this insurance are the real actuarial, financial risk. The suicidal and the homicidal will be nearly excluded from the policy risks because they won’t be buying the policy. The title saying “gun owners” is incorrect, because this only applies to people who “wear or carry.” Thus, the insurance cost will be low.

        From driving_crooner’s link: https://www.theactuarymagazine.org/firearm-risk/

    • RaoulDook@lemmy.world
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      10 months ago

      Nope, very wrong. Firearm related deaths are not even in the top 10 causes of death in the USA. Car accidents are far more common causes of death.

    • cosmic_slate@dmv.social
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      10 months ago

      What you’re saying doesn’t make any sense at all.

      Cops are extremely difficult to sue directly. Your city/town pays for the settlement. They already have insurance: you as the taxpayer.

      This kind of reaction-driven response does nothing to help countering police misconduct or information around it but whatever’s good for the upvotes I guess.

      • maryjayjay@lemmy.world
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        10 months ago

        What they’re saying does make sense, it would just have to come with a few additional changes. Like making law enforcement officers easier to sue directly. Colorado has already revoked qualified immunity. It seems like you are being overly pedantic. No single step will fix the problem but the comment you are replying to is a step in a direction to address the issue

      • nxdefiant@startrek.website
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        10 months ago

        Some states require nurses to buy their own personal liability insurance, but cops get a pass. Does that seem right?

            • cosmic_slate@dmv.social
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              10 months ago

              TIL stating a fact means I support it.

              Did I open the wrong app this morning on my phone? Is this Lemmy/Kbin or Reddit?

              • Grimy@lemmy.world
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                10 months ago

                You clearly said cops having liability insurance doesn’t make any sense and then doubled down by arguing that it’s because they have us the taxpayers instead.

                If cops needed to get individual insurance and the ones that were reckless had to pay more or maybe even stop being cops because they can’t be insured, it would probably help.

                Regardless, it comes off as if you are against it on top of belittling the above poster.

      • dual_sport_dork 🐧🗡️@lemmy.world
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        10 months ago

        What I’m saying makes perfect sense.

        Police misconduct is so rampant specifically because the taxpayer picks up the tab. Cops themselves can weasel out of being responsible for just about anything because they’re shielded by their department, or city, or state, or whatever. But if we held them personally accountable – financially, in this case – that’d stop that bullshit quick smart and in a hurry. Doctors have to carry insurance personally. So do truck drivers. You want to know why? Because those jobs hold the potential for catastrophically fucking up, with consequences very likely to affect other people. Why should cops be any different?

        At the very least this should apply to all police who are not currently clocked in, in uniform, and on duty. Out here in the real world they have to play by the same rules as the rest of us.

        Ha. Actually, from TFA:

        As the bill is currently written, local and state law enforcement officers are not exempt from the insurance requirement.

        So guess who else agrees with me.

        • cosmic_slate@dmv.social
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          10 months ago

          Thanks for typing out a well thought-out, well-reasoned response! Much nicer than a trite one-liner. I am in full agreement.

        • octopus_ink@lemmy.ml
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          10 months ago

          I agree with you overall, but I expect taxes will just go up by however much is required to cover the insurance for the officers, so we will continue to pay for their malfeasance.

  • Pogogunner@kbin.social
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    10 months ago

    This will pretty much only affect the friends/family of politicians, as they are the only ones that can get a permit to legally carry in Maryland.

      • Pogogunner@kbin.social
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        10 months ago

        I left in 2014 when you had to beg for permission to even purchase a handgun. Have things become better? Since the politicians are still proposing things like this, I assume not.

        • PugJesus@kbin.social
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          10 months ago

          “Beg for permission”

          I know plenty of people in this state who’ve purchased handguns, and unless attending a safety course is a form of begging, you’re talking out of your ass.

          • Pogogunner@kbin.social
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            10 months ago

            When I went to purchase a handgun, I was told I would need the permission of the local sheriff, in addition to the safety course.

            I’m not going to jump through hoops to exercise a right that protects me from the same people who are attempting to hold my rights hostage.

            Also, how many of them can legally carry a gun in Maryland?

            • PopMyCop@iusearchlinux.fyi
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              10 months ago

              As far as I’m aware (and I’m in a super gun happy place), it’s nearly universal that the local law enforcement agency signs off on most things like this. The tax stamps for suppressors/machine guns/explosives and the carry permit all go to them. Whether your area is a ‘shall issue’ or a ‘may issue’ is where you have to dig to find out.

              • ryathal@sh.itjust.works
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                10 months ago

                May issue has become unconstitutional I believe, bit the holdout states aren’t exactly fast on the shallow issue directive.

              • Pogogunner@kbin.social
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                10 months ago

                I understand that a sheriff signs off for a carry permit in most places

                In Maryland, when I tried to purchase a handgun, you had to also have a permission slip from the local sheriff to purchase a handgun at all, even if it stayed locked in a safe in your home

    • grendel@lemmy.world
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      10 months ago

      How can you say it’s free market if it’s literally mandatory? Call it tax, but it won’t even be paid to the budget. Instead some private insurance companies would benefit from that. Yay legislators?

      • MagicShel@programming.dev
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        10 months ago

        Free market pricing. Requiring someone to be indemnified when they are taking on risk greater than they could ever hope to repay if something goes wrong seems perfectly reasonable to me.

    • Steve@startrek.website
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      10 months ago

      Its cheap because theres almost no risk. Tiger attack insurance is very cheap in the US too.

      So whats the point? Insurance cant possibly solve any actual problems associated with gun violence.

      • TropicalDingdong@lemmy.world
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        10 months ago

        Well the liability aspect does include some risk.

        It also depends if it’s on the weapon or person.

        Specifically if the gun insured is used in a crime or to cause see harm. It doesn’t have to be the most extreme scenario.

        If it’s per gun, that could easily be hundreds or thousands per month per gun hoarder.

      • azertyfun@sh.itjust.works
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        10 months ago

        Well insurance companies might deny coverage for people with a documented past of mental illness or violent behavior, which is more due diligence than many states are apparently putting in.

        I mean it’s fucked and the proper solution should of course be regulation and proper background checks should not be too much to expect, but if everything has to be a “free market” masquerade then that would still be better than nothing (though I agree not by very much).

        • RaoulDook@lemmy.world
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          10 months ago

          That’s still not going to stop any crimes. They still have the right to buy it, if they can pass the background check. If they want to commit a crime with it, the fact that it’s illegal to do so without insurance means nothing and prevents nothing.

          • azertyfun@sh.itjust.works
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            10 months ago

            Yeah, that’s the typical “but murder is already illegal!” pro-gun argument. I don’t think insurance policies are a good solution, but if it at least prevents the “mostly law-abiding citizen with anger issues who will use a gun against someone if given an excuse, but is too much of a pussy to carry one around illegally” from getting a gun, then that’s better than nothing.

            • RaoulDook@lemmy.world
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              10 months ago

              You still don’t seem to understand that this would not prevent anyone from getting a gun. It would not, read up on the details.

              • azertyfun@sh.itjust.works
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                10 months ago

                I can read. My point is that lots of people buy a gun specifically to carry it in public. If they know they are uninsurable and won’t be able to carry it without getting into legal trouble (assuming there is a dissuasive penalty for illegally carrying… which is doubtful), they might not get a gun.

                Sure, you can make up a lot a scenarios where this law is completely ineffective but you also can’t pretend that it necessarily won’t have any effect.

      • jennwiththesea@lemmy.world
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        10 months ago

        I would bet that tiger attack insurance for someone who brings a tiger with then in public would be astronomical.

        The point is to put the burden of cost where it actually belongs. Instead of society footing the bill, now gun owners will pay into an insurance system that will cover costs in the event of damage.

        • Steve@startrek.website
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          10 months ago

          Ok, I’ll try a better analogy. Why not require fist-punching insurance for anyone who wants to take their hands out in public?

          • jennwiththesea@lemmy.world
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            10 months ago

            Personal liability insurance exists. It’s often included in home or renter’s insurance. If someone knows they’re likely to end up in a lawsuit because they love punching people, it would behoove them to get that.

            But the damage that can be done by a pair of fists is often a low enough dollar number (and jail time) that it can reasonably be paid by the person owning them. A broken orbital socket is a hell of a lot cheaper than, say, three people’s lives. There’s also unlikely to be collateral damage with fists, since they can only travel so far. Most people can’t pay for the damages in a shooting event, and right now that cost is instead being covered by taxpayers.

            Insurance isn’t for the small things, like a broken window or punching someone. It’s for very expensive, sometimes catastrophic damage.

            • GooseFinger@lemmy.world
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              10 months ago

              Well, CCW insurance really only covers legal costs associated with CCW use. Unfortunately in some states, it’s entirely possible (and in some states likely!) that someone who uses their firearm in self defense can get charged with a crime or sued by their attackers, regardless of how justified their use of force was.

              I’m aware of some policies that cover third party damages like hospital bills and property damage, but the victims in this case are never held liable anyway.

              So am I missing something? Especially given that practically all gun violence and deaths come from suicide and organized crime, how does this bill help anyone? CCW holders are statistically much less likely to break laws than those who don’t have a license, these people really shouldn’t worry anyone. This reeks of political posturing to me.

              Edit: Just read that the law requires bodily harm and property damage coverage, so nevermind. The only scenario where the CCW holder would be liable for those damages is if their use of force isn’t justified, so I’m still not sure how this helps anyone.

      • MagicShel@programming.dev
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        10 months ago

        That’s certainly what I’ve been told. The statistics look a little sketchy to me on that front, but I’m not a mathematician and insurance companies will surely do a better analysis than anyone on this thread.

        • GooseFinger@lemmy.world
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          10 months ago

          The only sure thing is that insurance companies will try to make as much money off this as possible, especially if it becomes required by law to have.

          • MagicShel@programming.dev
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            10 months ago

            That’s where competition is important. Get a bunch of insurers in the market and the profits they leech will be minimal. But health insurance is a fucking debacle over profits, so I definitely hear your concern.

              • MagicShel@programming.dev
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                10 months ago

                The problem there is insuring housing isn’t financially viable because climate change has made it too costly to mass-build houses as often as they are destroyed. That’s not really similar to the gun violence marketplace.

                The idea her is if folks can persuade insurance companies that they are stable and responsible enough, insurance for them will be cheap. Meanwhile folks with domestic violence records or violent felonies would be priced out of having a gun or at least have the ability to bear the financial burden if something goes wrong. This is by no means a great solution, but 2A absolutists have the supreme court and the law is essentially that reasonable regulation isn’t possible.

                Until that changes, I’ll accept a market solution.

          • RecallMadness@lemmy.nz
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            10 months ago

            Don’t some states have laws about profitability caps on insurance?

            There were stories of some insurance companies refunding policy holders during COVID due to excess profits.

    • PopMyCop@iusearchlinux.fyi
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      10 months ago

      It will be low. Super low. $300k is pocket change when the incidence for gun carriers to use them is extremely low. It’s why we can constantly mock the tacti-cool warriors for thinking they need a gun on them at all times. Plus, the insurance company has way more flexibility in proving their client was not at fault in the incident compared to the shenanigans they have to pull now for car wrecks.

      • MagicShel@programming.dev
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        10 months ago

        It’s hard to imagine a reasonable objection, then. I don’t trust insurance companies very much, but if there’s one thing they do well, it’s associating risk with cost.

      • lolcatnip@reddthat.com
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        10 months ago

        It’s why we can constantly mock the tacti-cool warriors for thinking they need a gun on them at all times.

        That’s doesn’t make sense. We mock them for thinking they’re in danger without a gun. Insurance is for the danger they create by carrying a gun.

        • kautau@lemmy.world
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          10 months ago

          thinking they need a gun on them at all times

          thinking they’re in danger without a gun

          Yes, that’s what was said

      • MagicShel@programming.dev
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        10 months ago

        There is a definable risk to life and property associated with carrying. And the cost of that risk should be born by those perpetuating it. I hear carrying supposedly makes things safer, so presuming the actuarial tables agree that cost should be totally nominal in which case why not?

      • naught@sh.itjust.works
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        10 months ago

        But it’s pay to drive, right? I suppose driving isn’t mentioned in the bill of rights, but I’d argue neither is the individual right to wield a firearm.

        • dezmd@lemmy.world
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          10 months ago

          Yeah but if we can’t drive around shooting our guns as a protected freedom of expression, are we really free?

        • ColeSloth@discuss.tchncs.de
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          10 months ago

          You pay for car accidents and they don’t pay out for intentional stuff. You don’t really hear much about accidental shootings from people while they’re out carrying. The act of carrying isn’t dangerous.

          • naught@sh.itjust.works
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            10 months ago

            The act of carrying is inherently more dangerous than not. That is an indisputable fact that you don’t even need statistics to know. I am infinitely more likely to die by a firearm if it exists in the first place rather than not.

            People living with handgun owners died by homicide at twice the rate of their neighbors in gun-free homes. That difference was driven largely by homicides at home, which were three times more common among people living with handgun owners.

            https://time.com/6183881/gun-ownership-risks-at-home/

            • ColeSloth@discuss.tchncs.de
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              10 months ago

              I claim you’re ignorant and your link is not anything to do with being out conceal carrying. Your argument also is of “guns not existing” rather than one of “people wanting to legally carry needing to pay.”

              They are not the same thing.

              • naught@sh.itjust.works
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                10 months ago

                I provided a link to evidence illustrating my point that the presence of a gun presents a greater risk of dying to a firearm. The study is about a different situation, but both deal with the presence of firearms. I would welcome evidence to the contrary rather than insults because I am engaging you here in good faith.

                I say adding a gun to any situation increases the chances of a gun being used simply because it is present. More guns in more places = more opportunities for them to be used. I think that is simple logic, and again I welcome you to refute it.

                This is something that requires people who carry weapons in public to be capable of providing restitution to anyone harmed by their actions. I can’t see a massive harm in it other than disproportionately affecting the poor.

                • ColeSloth@discuss.tchncs.de
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                  10 months ago

                  Obviously, if no guns exist, no guns can be used. That isn’t even worth you bringing up. But since they do exist and are present, this is just a silly money grab and/or a way to restrict and even further incarcerate the poor half of the country. Making someone pay money to be allowed to carry around anything is just asinine. What next? Shall we charge you a fee for your propane bottle because you can make it explode? Your pencil because you can stab someone with it? Charge extra if you live above the 2nd story because you could push someone to their death?

                  There are literally millions of people who conceal carry every day. The ones who would pay insurance or simply stop carrying aren’t the ones hurting people. The “insurance” would just be for them. It wouldn’t be for the people you want to worry about.

      • TropicalDingdong@lemmy.world
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        10 months ago

        You are walking around with a deadly weapon. We test, register, and insure people who drive around with a deadly weapon.

        Nothing about the 2A says you do not assume liability for exercising your right. ain fact, all of US case on this would say the opposite. You absolutely assume liability for both what you do with your weapons, and what you fail to do with your weapons.

  • DahGangalang@infosec.pub
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    10 months ago

    I appreciate that they’re trying to do something here, but this doesn’t feel like it’s aimed at stopping actually dangerous people. This feels like it’s aimed at beating on people who were already willing to deal with Maryland’s already more-strict-than-usual gun laws.

    But I guess we’ll see how this pans out in a few years.

    • gibmiser@lemmy.world
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      10 months ago

      Well, undoubtedly if it is like other types of insurance the insurance will exempt homicide and and suicide. It will probably only cover accidental discharge so it will not help with the two biggest problems.

      • SinningStromgald@lemmy.world
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        10 months ago

        Most insurance doesn’t cover an insured for deliberate acts by the insured. Off the top of my head the only caveat I can think of is in Japan where life insurance can still pay out in the event of suicide.

        • HelixDab2@lemm.ee
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          10 months ago

          Life insurance in the US will also generally pay out in the case of suicide, as long as you wait at least one year after the purchase of a policy to kill yourself.

          • SinningStromgald@lemmy.world
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            10 months ago

            Huh, news to me. But it has been a decade plus since licensing when I went over life insurance so it’s entirely possible I forgot or policies changed since then. Thanks for letting me know.

      • Neato@ttrpg.network
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        10 months ago

        That makes sense, I guess. If there’s a homicide you’re probably already suing the perpetrator.

        • gibmiser@lemmy.world
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          10 months ago

          It makes sense, but it’s not going to address what are the biggest problems. He’ll if anything it might get worse as people will know insurance will cover their accidental discharges…

      • ElleChaise@kbin.social
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        10 months ago

        You don’t have to be an asshole to want to carry a gun around everywhere. When you’re surrounded by people who openly discuss murdering you for your political stance, or your personal identity, or how you were born, and those people are intent on carrying guns to “defend” against threats that do no exist, meanwhile feeding themselves a steady diet of hate and discontent mixed with conspiracy theories… carrying may be the only thing between you and a lynching.

        In short: take those people’s guns and the rest of us can finally abandon these barbaric relics to the anals of history.

  • HelixDab2@lemm.ee
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    10 months ago

    So, let me see if I’ve got this right.

    Maryland wants to have a privately-enforced tax on the exercise of a constitutional right. Do I have that more or less correct? Perhaps you could also have a requirement that all religious congregations or any kind have a $1B policy in case there is sexual misconduct by a member of the congregation?

    • shalafi@lemmy.world
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      10 months ago

      A tax that disproportionally affects poor people. We wouldn’t want those people having guns, now would we?

      • HelixDab2@lemm.ee
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        10 months ago

        I genuinely would. I believe that all people (that aren’t prohibited due to prior illegal violent actions) should be able to exercise their rights, if that is their choice. I don’t think people should be required to own firearms, any more than I think that anyone should be required to vote. But I don’t think that the state should be trying to prevent either. And it really pisses me off that gun owners in general want to close off exercise of rights to the “wrong” people, esp. non-white people, LGBTQ+ people, and anyone that’s to the political left of Benitto Mussolini.

      • HelixDab2@lemm.ee
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        10 months ago

        That is optional insurance, not mandated by a state law. You can already buy insurance to protect you in case of negligence, or prosecution for something you claim is self-defense.

    • lolcatnip@reddthat.com
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      10 months ago

      Do I have that more or less correct?

      Only if you believe it’s an individual right, which you can’t without ignoring half the amendment that creates it.

    • maryjayjay@lemmy.world
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      10 months ago

      Not the congregation, but perhaps the clergy should carry insurance. Especially if they’re part of a church that has a history of sexual assault in their organization

      • HelixDab2@lemm.ee
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        10 months ago

        I would suggest that you look into church sex abuse cases. It’s not always the clergy that’s committing abuse. Quite often it’s members, and the clergy is covering it up because of the priest-penitent privilege (edit: and to protect the reputation of the church; this has been true with the Mormon cult church, JWs, Southern Baptist Convention members, and many, many other churches). (Which, BTW, only means that they their testimony can’t be used in an investigation or trial without the permission of the penitent. It does not legally bar them from alerting the police that abuse has occurred.)

        • theneverfox@pawb.social
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          10 months ago

          The confessional is basically old school therapy - it needs to be confidential, because the idea is that the priest can then influence things that people never want to see the light of day.

          For example, a Catholic priest could say that the penance for their actions is to turn themselves in, and they could take that opportunity to confront the person with the reality of what this is like for the victim.

          You can argue that at some point, the future harm to others overrides that oath to the privacy of that action, but that’s a very complicated ethics question.

          The priest could, in any situation, break that oath and be defrocked at worst… But they could also say “I’m here to redeem this person” or “I made an oath and I can’t break it”, and work them towards coming forward themselves. They could also bend it, and without revealing anything, approach and try to support the victim so they feel safe coming forward

          The right answer is going to be nuanced and situational, and I’m sure many have failed ethically, but it’s not a simple question

  • NounsAndWords@lemmy.world
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    10 months ago

    I appreciate the concept, but is $300,000 enough to actually cover the cost of damages? Guns generally seem like the sort of thing where accidents either cause minimal or catastrophic damage with not much in between.

    • deegeese@sopuli.xyz
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      10 months ago

      Don’t let perfect be the enemy of the good.

      Once the law is on the books, it can be used.

      Once there’s an underinsured tragedy, there will be sufficient will to amend the coverage minimum.

    • dual_sport_dork 🐧🗡️@lemmy.world
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      10 months ago

      As the bill is currently written, local and state law enforcement officers are not exempt from the insurance requirement.

      I can’t wait to see said cops tie themselves into complicated knots trying to explain why they ought to get a free pass but somehow us regular plebians have it different.

  • thepreciousboar@lemm.ee
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    10 months ago

    I see what they want to do: no sane insurance company will provide such contracts unless they either:

    1. make the customers pay exorbitant prices
    2. require background checks and do the control themselves

    Any of those will of course disincentivize people from owning guns, which is a good thing, but it’s crazy that a state has to offload these controls to a private company because there is no political willingness to do it in the right way.

    • Willy@sh.itjust.works
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      10 months ago

      what is the right way? carrying was almost impossible in MD before the Supreme Court ruling.

    • ryathal@sh.itjust.works
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      10 months ago

      They are using the anti-abortion strategy of finding a fairly strong argument and trying to maximize the ability of blocking something based on it. This will likely also fail like most of those attempts did.

        • Tangent5280@lemmy.world
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          10 months ago

          Is that a fixed range, or will the cost just go up for the folk that some corporation thinks shouldn’t carry a gun?

          The government should just do it’s fucking job and provide the insurance and background check. Its a bad move to relegate this to private parties. Atleast with the government the people can vote who is in power.

          • SkippingRelax@lemmy.world
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            10 months ago

            So you guys don’t have universal healthcare but it makes sense for the taxpayers to subsidise insurance and background checks so everyone can carry a gun and be happy, and sobthe the poor are not left out from this inalienable right that is carrying a gun in public like in the western movies?

      • Shiggles@sh.itjust.works
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        10 months ago

        It’s okay, Billy McFucksHisSister was kinda outgunned by “the gubmint’s” F-35s already I don’t think his walmart glock was anything the rich ever feared.

        • HappyRedditRefugee@lemm.ee
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          10 months ago

          I’d to ask what should then we do in case of a dictatorship, for example? Just lay down and fear the F-35s?

          Yes, even if everyone has a wallmat glock we’d outgunned by a mile by let’s say the military, but also you can’t just bomb and kill the shit out of your labor and infrastructure — I mean, you can, also you can bomb and kill enough to get them to submit, but that is just not something you can just keep doing indefinetly. It is also very hard to maintain a economy going with a big insurrection going and there is were guns bring a point, they give you at least a figthing chance, way better than nothing.

          I’d also like to point out the ad hominem of calling the hypotetical gun owner a “McFucksHisSister” it brings nothing of value to the conversation.

          I also do not belive carrying a gun around is something needed -by almost anyone- but ownership is important.

          • Tangent5280@lemmy.world
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            10 months ago

            Also important to note is that the military is not some faceless automaton that does whatever they’re told. It’s very hard to justify killing the family and townspeople and neighbours of the people that you send to commit the killing. If we get to a state where it isn’t hard, we’re already lost as a people.

            • HappyRedditRefugee@lemm.ee
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              10 months ago

              I’d like to agree with you, but given the experiences and horrors carried out by the military in my country (not the USA) I just can’t. I guess I agree with your last sentence, and I really hope you guys (whoever is reading) do better than us.

            • SkippingRelax@lemmy.world
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              10 months ago

              Don’t know about the US, but in most places the military wouldn’t send you tonserve or even less fight to, say, Shithole, Alabama if you are from there. Of course you wouldn’t shoot your uncle or brother. They figured this out centuries ago, before firearms.